Canary Financial
A/R Financing
Invoices to cash
Advance against open B2B invoices
Purchase Orders
Fill the big order
Supplier costs covered up front
Payroll Funding
Make every payroll
Bridge the gap to customer payment
Equipment Leasing
Put assets to work
Lease instead of paying cash
Gov Contracts
Fund the contract
Federal, state and local work
DIP Financing
Capital in Chapter 11
Keep operating through a restructuring
Receivables & Asset-Based Funding

Turn what you are owed
into working capital today.

Accounts receivable financing, purchase order financing, equipment leasing, DIP financing, payroll funding and government contract funding — for B2B businesses across a wide range of industries, nationwide. One application covers all six.

Start my application Explore the six programs
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Funding programs
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Application for all six
US
Nationwide coverage
Capacity can grow with your sales Built for B2B businesses SSN & EIN encrypted No obligation to apply
How it works
How it works

Stop waiting 30, 60 or 90 days to get paid.

With receivables financing, the invoices you have already earned become the collateral. Instead of waiting for your customer's payment terms to run out, a funding partner can advance against those invoices so the cash is working for you now.

Your business Delivers and invoices Your customer Pays on its terms $ Funding partner Advances against invoices Invoice on Net 30 / 60 / 90 terms Advance against the invoice Customer pays when due
1You deliver the goods or services and invoice your business customer as you normally do.
2The funding partner reviews the invoice and your customer, and advances an agreed share of its value.
3When your customer pays, the remaining balance, less the agreed fees, comes back to you.
Six programs, one application

Pick the program that fits the moment.

Each program is built around a different asset or situation. Not sure which one fits? Choose the closest — our team reviews every application and can point you to the right structure.

01

Accounts Receivable Financing

Unlock the cash sitting in your open invoices instead of waiting on customer payment terms.

  • Built around your B2B invoices and customers
  • Funding capacity can rise as your sales grow
  • Helps smooth slow-paying customers and seasonal swings
Apply for this program
02

Purchase Order Financing

Land orders bigger than your cash on hand by covering supplier costs before your customer pays.

  • Pays your supplier so the order can be produced
  • Designed for resellers, distributors and manufacturers
  • Often paired with A/R financing once the invoice issues
Apply for this program
03

Equipment Leasing

Get the machinery, vehicles and technology you need without draining working capital.

  • New or used equipment from your chosen vendor
  • Preserves cash for payroll, inventory and growth
  • Structured around the equipment itself
Apply for this program
04

DIP Financing

Debtor-in-possession financing helps a business keep operating while it restructures under Chapter 11.

  • Working capital during a court-supervised restructuring
  • Can support payroll, vendors and operations
  • Subject to bankruptcy court approval
Apply for this program
05

Payroll Funding

Meet payroll on time, every time, while your customers work through their payment terms.

  • Common for staffing and labor-intensive businesses
  • Tied to the invoices your billable work creates
  • Keeps your team paid while you scale
Apply for this program
06

Government Contract Funding

Bridge the wait on federal, state and local government payments so you can perform on the contract.

  • For prime contractors and subcontractors
  • Mobilization, payroll and supplier costs
  • Built around invoices to government agencies
Apply for this program
Your cash gap

How much of your money is waiting on customers?

Move the sliders to see roughly how much revenue you have already earned but not yet collected. That balance is the starting point a receivables program can work with.

  • Cash tied up = monthly invoicing x (days to get paid / 30)
  • The longer your terms, the bigger the gap a program can help close
Earned but not yet collected
$225,000

Invoice dayDay 120
Put this cash to work
Illustration only, using simple arithmetic. It is not an offer, an approval or an estimate of the amount you may be advanced.
Who it is for

Built for businesses that invoice other businesses.

Staffing & recruiting Manufacturing Wholesale & distribution Transportation & logistics Government contractors Construction subcontractors IT & professional services Healthcare services Security services Energy & field services Staffing & recruiting Manufacturing Wholesale & distribution Transportation & logistics Government contractors Construction subcontractors IT & professional services Healthcare services Security services Energy & field services
The process

From application to funding in four steps.

1

Apply once

Choose a program and complete one secure online application. Save and finish later at any point.

2

Share documents

Upload your A/R aging, open invoices and financials — now, or when our team asks for them.

3

Review & terms

Our team and funding partner review your business and customers, then walk you through the proposed terms.

4

Get funded

Once you accept the terms and documents are signed, funds are released to your business account.

What you will need

Have these ready to move faster.

None of these are required to submit your application. Having them on hand simply helps the review move faster.

A/R and A/P agings

Detailed by customer, so the review can see who owes what and for how long.

Open invoices & backup

Copies of open invoices with supporting delivery or work documentation.

P&L and balance sheet

The most recent statements plus last year end.

Bank statement

Your most recent business bank statement.

Tax returns

Your most recent personal and business tax returns.

Formation documents

Operating agreement (LLC) or bylaws (corporation).

Questions

Receivables & asset-based funding, answered.

Is accounts receivable financing a loan?
It is typically structured around your invoices rather than as a traditional term loan. The funding partner advances against invoices you have already issued to business customers, and the advance is settled when those customers pay. The exact structure and terms are set out in the agreement offered to you.
Does my personal credit matter?
It is one factor, but receivables programs typically place significant weight on the strength of your customers and the quality of your invoices. The application asks for owner information because the funding partner may review personal and business credit.
Will my customers know?
Often, yes. Many receivables programs send a Notice of Assignment asking customers to remit payment to a designated account, and file a UCC-1 financing statement. The application you sign authorizes both, so please review the authorization section before you submit.
What is the difference between PO financing and A/R financing?
Purchase order financing helps before the work is delivered, by covering supplier costs to fill a confirmed order. Accounts receivable financing helps after you have invoiced, by advancing against the unpaid invoice. The two are often used together.
What is DIP financing?
Debtor-in-possession financing is funding for a business operating under Chapter 11 bankruptcy protection. It can help cover payroll, vendors and operations during the restructuring, and it generally requires approval from the bankruptcy court.
Can government contractors apply?
Yes. Government contract funding is designed for prime contractors and subcontractors working on federal, state or local contracts, built around the invoices those contracts generate.
Does applying obligate me to anything?
No. Submitting an application does not obligate you to accept an offer, and it does not guarantee approval or funding. Canary Financial is not a bank or direct lender; requests may be fulfilled through third-party funding partners.

Ready to unlock your receivables?

One application covers all six programs. Save and finish later at any time.

Start my application
Important disclosure

Canary Financial is not a bank or direct lender. Financing products may be offered through third-party lenders, funding marketplaces, referral partners, or lending partners. Approval, interest rates, loan terms, funding timelines, and eligibility are determined solely by the applicable funding provider. Submission of a funding request does not guarantee approval or funding.